Financial Services
Live Price
Offline$133.06
+0.37% today
1Y Change
+31.99%
Window
Jun 23, 2025 → Jun 15, 2026
Coverage: 246 bars · Jun 23, 2025 → Jun 15, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
UMB Financial Corporation (UMBF) is a Financial Services stock with a market cap of $9.84B and listed on NASDAQ. The stock last traded around $133.06 and up 32.0% across the available one-year price window (Jun 23, 2025 → Jun 15, 2026). Baseline metrics include revenue growth of +68.5%, EPS growth of +1.7%, a dividend yield of 1.3%. What stands out right now is revenue +68.5%, EPS +1.7%, free cash flow +386.4% with operating margin 20.9% and ROIC 1.0%. The dividend is present but secondary, with a yield around 1.3%. Valuation is more restrained than many high-expectation growth names at P/E 11.1 and price/sales 2.2. Stock Foundry combines UMBF price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
UMBF
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
UMBF Max Drawdown
-18.88%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for UMBF and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$1.2B
-21.5% YoY
FY Net Income
$353.0M
-18.2% YoY
Free Cash Flow
$500.4M
-30.3% YoY
Revenue Growth
+68.5%
EPS Growth
+1.7%
Gross Margin
56.7%
Net Margin
19.8%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 4.4B | 2.6B | 2.2B | 1.6B | 1.2B |
| Gross Profit | 2.4B | 1.4B | 1.3B | 1.3B | 1.2B |
| Operating Income | 900M | 541M | 422M | 532M | 429M |
| EBITDA | 1.1B | 594M | 480M | 586M | 485M |
| Net Income | 702M | 441M | 350M | 432M | 353M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 953M | 8.6B | 5.6B | 1.7B | 9.3B |
| Total Assets | 73.1B | 50.4B | 44.0B | 38.5B | 42.7B |
| Total Liabilities | 65.4B | 46.9B | 40.9B | 35.8B | 39.5B |
| Shareholder Equity | 7.7B | 3.5B | 3.1B | 2.7B | 3.1B |
| Total Debt | 3.8B | 3.0B | 3.5B | 2.6B | 3.5B |
| Net Debt | 2.8B | -5.6B | -2.1B | 924M | -5.7B |
Cash flow positioning
Latest Full Year
Operating Cash Flow
534M
-30.6% YoY
Capital Expenditures
34M
+34.9% YoY
Free Cash Flow
500M
-30.3% YoY
Key ratios
Gross Margin
56.7%
Operating Margin
20.9%
Net Margin
19.8%
ROE
11.7%
Debt / Equity
0.51x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.